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Net worth update per


This is Roadtriptofire's #7 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 540,545 and my FI portfolio decreased to EUR 342,633


Net worth

EUR 540,545

Since the last update on my net worth has decreased with EUR -4,587 ( -0.84 %).

FI portfolio

EUR 342,633

Since the last update on my FI portfolio has decreased with EUR -4,885 ( -1.41 %).

The per-day change in net worth between the reported periods are shown in the plot below.


And the development and changes between each net worth reporting is shown in the tables below.

Net worth
FI portfolio

The changes for each asset class is shown in the table below. All numbers are in EUR.
Change
Cash 131,161 -8,661 122,500
Investments 188,807 +3,776 192,583
Retirement acc 27,550 0 27,550
Real estate 199,245 -245 199,000
Other assets 0 0 0
Total assets 546,763 -5,130 541,633

Mortgage 1,631 -543 1,088
Other debt 0 0 0
Total debt 1,631 -543 1,088
Change
Cash 177,000 -54,500 122,500
Investments 98,110 +94,473 192,583
Retirement acc 27,550 0 27,550
Real estate 185,000 + 14,000 199,000
Other assets 4,200 -4,200 0
Total assets 491,860 +49,773 541,633

Mortgage 4,855 -3,767 1,088
Other debt 0 0 0
Total debt 4,855 -3,767 1,088
Change
Cash 177,000 -54,500 122,500
Investments 98,110 +94,473 192,583
Retirement acc 27,550 0 27,550
Real estate 185,000 + 14,000 199,000
Other assets 4,200 -4,200 0
Total assets 491,860 +49,773 541,633

Mortgage 4,855 -3,767 1,088
Other debt 0 0 0
Total debt 4,855 -3,767 1,088

I am now 19.0% on my way to achive my FIRE target of EUR 1,800,000. This is -0.3 percentage points closer, compared to the last net worth update.

EUR 342,633 FIRE target: EUR 1,800,000


19.0%

FI portfolio

My FI portfolio now consists of EUR 192,583 (56.2%) in investments, EUR 27,550 (8.0%) in retirement accounts, and EUR 122,500 (35.8%) in cash.

Investments

Since my last update, my investments increased with EUR 3,776 (2.0%).

Since I started tracking, my total contributions have been EUR 58,601, and my total return has been EUR 279,008.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR 0 (0.0%).

Since I started tracking, my total contributions have been EUR 0, and my total return is EUR 23,411.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be EUR 1,142 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,142/month
(4.0% SWR)
999/month
(3.5% SWR)
856/month
(3.0% SWR)


When can I retire?

FI date

My age

58

I am currently aiming to save/invest approximately EUR 1,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,800,000 in 17 years and 11 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another EUR 261,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,196,367


Financial independence forecast